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Open Enrollment Starts Now: A Pre-Season Checklist for HR and Finance

Open Enrollment Starts Now: A Pre-Season Checklist for HR and Finance

by Lauren Claverie | Sep 24, 2026 | Open Enrollment, Totem

Open Enrollment Starts Now: A Pre-Season Checklist for HR and Finance An open enrollment preparation checklist covers the decisions, numbers, notices, and staffing you settle before enrollment materials reach employees. The start date isn’t a preference. Work...
Your OE Emails Aren’t Reaching Half Your Staff. Here’s What Does.

Your OE Emails Aren’t Reaching Half Your Staff. Here’s What Does.

by Lauren Claverie | Sep 17, 2026 | Open Enrollment, Totem

District Open Enrollment Communication: Reaching Every Employee by Phone, Email, Text, and Onsite School district open enrollment communication works when it runs on four channels at once: phone, email, text, and onsite support. Email alone reaches the staff who sit...
Healthcare Cost Containment Strategies Most Employers Overlook

Healthcare Cost Containment Strategies Most Employers Overlook

by Lauren Claverie | Sep 10, 2026 | Cost Containment, Totem

Healthcare Cost Containment Strategies Most Employers Overlook Most healthcare cost containment strategies aim at the premium equivalent, the network discount, and the employee contribution. The larger dollars sit underneath, inside a few claim categories where a...
Building an Annual Benefits Education and Outreach Calendar for Your District

Building an Annual Benefits Education and Outreach Calendar for Your District

by Lauren Claverie | Sep 3, 2026 | Employee Engagement & Communication, Totem

Building an Annual Benefits Education and Outreach Calendar for Your District A district benefits education outreach calendar maps who you’ll reach, what you’ll tell them, and which channel you’ll use, across all twelve months. It replaces the fall...
Here’s Why 67% of Covered Workers Are in a Self-Funded Health Plan

Here’s Why 67% of Covered Workers Are in a Self-Funded Health Plan

by geoff | Aug 31, 2026 | Benefits Consulting, Totem

A self-funded health Plan means your company pays employee medical claims from its own funds instead of paying fixed premiums to a carrier. You take on the claims risk, you buy stop loss insurance to cap it, and you keep what you don’t spend. The trade is...
Why Personalized, Unscripted Service Outperforms Scripted Models

Why Personalized, Unscripted Service Outperforms Scripted Models

by Naomi Tan | Feb 12, 2026 | Employee Engagement, Employee Engagement & Communication, Totem

The Human Advantage in Employee Benefits Support When employees need help with their benefits, it’s rarely a simple question — it’s often a critical moment: a denied claim, an unexpected bill, a delayed authorization, or confusion about network coverage. In these...
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